Oportun Financial Corp financial statements

Income statement, balance sheet and cash flow statement for the last 9 fiscal years, taken from the XBRL data Oportun Financial Corp files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2017	FY2019	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	361	498	600	584	627	953	1,057	1,002	957
Selling, general and administrative	16.9	10.8	15.4	20.5	37.5	58.8	72.4	53.2	34
Operating expenses						716	534	410	362
Pre-tax income	2.07	170	84.4	-58.1	62.8	-75.3	-254	-115	44.1
Income tax	12.3	46.7	22.8	-13	15.4	2.46	-73.7	-36.5	18.8
Net income	-10.2	123	61.6	-45.1	47.4	-77.7	-180	-78.7	25.2
EPS, basic	-4.22	6.42	0.46	-1.65	1.68	-2.37	-4.88	-1.95	0.54
EPS, diluted	-4.22	4.47	0.40	-1.65	1.56	-2.37	-4.88	-1.95	0.53
Shares, basic (weighted)	2.42	2.59	9.35	27.3	28.2	32.8	36.9	40.4	46.4
Shares, diluted (weighted)	2.42	3.72	10.8	27.3	30.3	32.8	36.9	40.4	47.9

Balance sheet

	FY2017	FY2019	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	48.3	70.5	72.2	136	131	98.8	91.2	60	106
Property, plant and equipment		23.2	22.8	15.9	9.92	10.5	6.99	2.98	2.07
Lease right-of-use assets		0	50.5	46.8	38.4	30.4	21.1	9.78	9.44
Goodwill				0	104	0
Intangible assets				0.06	43.6	35.7	27.5	19.9	71.7
Total assets		1,740	2,202	2,009	2,947	3,614	3,412	3,227	3,258
Total liabilities		1,393	1,713	1,542	2,343	3,066	3,007	2,873	2,868
Total debt					114
Paid-in capital		44.4	418	436	526	548	585	613	624
Retained earnings		52.7	76.7	36.4	83.8	6.1	-174	-253	-227
Treasury stock		-8.43	-6.12	-6.31	-6.31	-6.31	-6.31	-6.31	-6.31
Other comprehensive income		-0.13	-0.16	-0.26
Shareholders' equity		347	489	467	604	548	404	354	390
Total equity	217	347	489	467	604	548	404	354	390
Total liabilities and equity		1,740	2,202	2,009	2,947	3,614	3,412	3,227	3,258
Shares outstanding		2.94	27	27.7	32	33.4	34.5	36.1	44.4

Cash flow statement

	FY2017	FY2019	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	-10.2	123	61.6	-45.1	47.4	-77.7	-180	-78.7	25.2
Depreciation and amortization	10.6	11.8	14.1	20.2	27.1	47.5	54.9	51.2	41.4
Stock-based compensation	5.71	6.77	19.2	19.5	18.9	27.6	18.6	13	10.7
Deferred income tax	8.29	42	10.4	-14.5	16.5	0	-76.9	-34.3	14.3
Cash from operations	139	138	218	153	163	248	393	394	413
Capital expenditures	-8.55	-14.6	-8.88	-4.83	-12.3	-6
Acquisitions				0	-112	0
Cash from investing	-343	-471	-498	16.4	-885	-1,172	-286	-194	-370
Stock issued	0.71	1.03	0.79	0.22	3.27	1.6	0.8
Cash from financing	231	368	286	-137	746	935	-104	-191	-59.4
Net change in cash	26.4	35	6.97	32.4	24.4	10.9	2.2	8.61	-15.7
Free cash flow	131	124	209	148	151	242
Interest paid	31.1	42.4	58	57.1	46.8	85.8	184	214	195
Income taxes paid	4.4	20.4	2.93	2.83	3.88	-3.46	-1.86	1.04	2.85

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $8.55 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Pre-tax margin	4.2%	Pre-tax income / revenue.
Net margin	2.1%	Net income / revenue.
Operating cash flow margin	44.4%	Cash from operations / revenue.
Effective tax rate	51.3%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	4.8%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	0.6%	Net income / average total assets.
SG&A / revenue	3.1%	Selling, general and administrative expense / revenue.
Stock-based pay / revenue	1.3%	Stock-based compensation (from the cash flow statement) / revenue.
D&A / revenue	2.0%	Depreciation and amortization / revenue.

Growth

Metric	Value	How it is calculated
Revenue growth, 1y	-4.5%	Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y	0.1%	Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y	10.4%	Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	5.1%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	18.6%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	22.0%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y	10.3%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	-10.7%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	-3.5%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	1.0%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	-3.4%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	10.2%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	18.6%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	13.4%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	11.9%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Liabilities / assets	87.0%	Total liabilities / total assets.
Goodwill and intangibles / assets	2.1%	(Goodwill + intangible assets) / total assets.
Tangible book value	$340.2M	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
Asset turnover	0.30x	Revenue / average total assets.
Fixed asset turnover	515x	Revenue / average property, plant and equipment.

Per share

Metric	Value	How it is calculated
EPS, diluted	$0.39	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share	$19.20	Revenue / diluted weighted shares.
Operating cash flow per share	$8.52	Cash from operations / diluted weighted shares.
Book value per share	$8.86	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$7.40	Tangible book value / shares outstanding.
Cash per share	$3.04	(Cash + short-term investments) / shares outstanding.

Valuation

Metric	Value	How it is calculated
Market cap	$393.2M	Share price x shares outstanding.
Enterprise value	$253.6M	Market cap + total debt - cash - short-term investments.
P/E	20.2x	Market cap / net income. Only when net income is positive.
P/S	0.41x	Market cap / revenue.
P/B	0.97x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	1.16x	Market cap / tangible book value, when positive.
P/OCF	0.93x	Market cap / cash from operations, when positive.
EV/Sales	0.27x	Enterprise value / revenue.
Earnings yield	5.0%	Net income / market cap (the inverse of P/E).

What was Oportun Financial Corp's revenue in fiscal 2025?

Oportun Financial Corp reported revenue of $956.7M for fiscal 2025, 4.5% lower than the year before.

Was Oportun Financial Corp profitable in fiscal 2025?

Yes. Net income was $25.2M, a net margin of 2.6%.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

Open interactive statements, quarterly figures and charts

Back to Oportun Financial Corp